Media Blame Climate Change for Soaring Insurance Rates, but Data Doesn’t Support Narrative

A tornado touchdown in a neighborhood

Homeowners across the U.S. are seeing skyrocketing insurance rates, increased deductibles, excluded protections, and canceled policies.

Insurers say that they’re having to adjust to changing conditions to remain profitable. Among the problems they blame is inflation, rising construction costs, and costs associated with regulatory compliance. But many insurers are also blaming climate change for driving extreme weather events and increasing losses, and much of the media coverage is zooming in on this narrative.

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Government Watchdog Files Complaint vs. NOAA over ‘Scientific Violations’ in Climate Change Report

Roger Pielke, Jr.

Protect The Public’s Trust (PPT), a government watchdog group, filed a complaint Wednesday with the U.S. Department of Commerce, requesting an investigation into what PPT says are “apparent scientific violations” in relation to how National Oceanic Atmospheric Administration (NOAA) collects and reports climate-related natural disasters that exceed $1 billion in damages.

Since 1980, NOAA has reported an annual tally of the number of climate-related natural disasters in the U.S. that cause damages exceeding $1 billion after adjusting for inflation. According to NOAA’s calculations, the U.S. averaged 8.5 such events between 1980 and 2023. In the last five years, however, the average reported by the agency is 20.4 events.

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